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Error with My FICO APP

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Sebas101
Valued Member

Error with My FICO APP

Can someone explain this to me?
Im totally confused 🫤 
How do I gain points on one page and lose them on another...

 

597BF2AD-CA6D-406F-A896-8930770991A4.png

 

AC9BE9CA-A407-4D11-AE21-39C3DFB40456.jpeg

 

Message 1 of 9
8 REPLIES 8
Centurion_Dreamer
New Contributor

Re: Error with My FICO APP

I am new in this forum, but I think the alerts (TU: +16) are from yesterday (7/27) and the -16 is from today.

But perhaps we are in different time zones.

Active Cards (TCL 142k):
Message 2 of 9
Sebas101
Valued Member

Re: Error with My FICO APP

The app updated today on the 28th.. but the date says yesterday the 27th.. but it also dosent show why my score went down...

Message 3 of 9
Adkins
Legendary Contributor

Re: Error with My FICO APP


@Sebas101 wrote:

The app updated today on the 28th.. but the date says yesterday the 27th.. but it also dosent show why my score went down...


I've found that the app can literally be behind a day, and the scores and reasons given can be 24 hours or more apart. 


Last HP 08-07-2023



Message 4 of 9
SouthJamaica
Mega Contributor

Re: Error with My FICO APP


@Sebas101 wrote:

The app updated today on the 28th.. but the date says yesterday the 27th.. but it also dosent show why my score went down...


MyFICO doesn't tell you why your scores went up or down.

 

There are certain events which trigger MyFICO alerts. If there happens to be any difference between your present score at that particular bureau and the previous score reported to you from that bureau, the score change is tacked on to the alert. There is not necessarily any connection at all between the score change and the alert substance.

MyFICO explains this as follows:

Why did my score go up when I got an alert for something negative (or why did my score go down when I got an alert for something positive)?

The short answer: Your FICO® Score may change because of other events not monitored by an alert.

Whenever we send you a credit alert, we also send an updated FICO Score. To ensure you get the most current score, we calculate it based on your entire credit report at that point in time—not just the new information on the alert. This means your new score may reflect other changes that are outside of the things we watch for (see everything we monitor).

Sometimes you may see your score increase when you think it should’ve decreased, and vice-versa, but you’ll always have your most up-to-date and accurate score.
https://support.myfico.com/hc/en-us/articles/360038084633


Total revolving limits 581520 (516320 reporting) FICO 8: EQ 710 TU 711 EX 718

Message 5 of 9
805orbust
Valued Contributor

Re: Error with My FICO APP

^ This... plus it should be noted that the MyFico app is VERY sluggish almost all of the time. I've had:

 

* Scoreable events go unalerted for as much as a week

* Delays of same compared to Experian/ CK

* Scores improperly reported (always less of course... a quick screen refresh always fixes it however.)

* The score/reporting glitches miraculously correct themselves when refreshing my monthly 3B report.

* Countless additional glitches

 

It's a good app/service, however annoying as all get out when it comes to bugs. I use it, but always alongside other apps.

 

 

 



Message 6 of 9
learningcredit54
Regular Contributor

Re: Error with My FICO APP


@SouthJamaica wrote:

@Sebas101 wrote:

The app updated today on the 28th.. but the date says yesterday the 27th.. but it also dosent show why my score went down...


MyFICO doesn't tell you why your scores went up or down.

 

There are certain events which trigger MyFICO alerts. If there happens to be any difference between your present score at that particular bureau and the previous score reported to you from that bureau, the score change is tacked on to the alert. There is not necessarily any connection at all between the score change and the alert substance.

MyFICO explains this as follows:

Why did my score go up when I got an alert for something negative (or why did my score go down when I got an alert for something positive)?

The short answer: Your FICO® Score may change because of other events not monitored by an alert.

Whenever we send you a credit alert, we also send an updated FICO Score. To ensure you get the most current score, we calculate it based on your entire credit report at that point in time—not just the new information on the alert. This means your new score may reflect other changes that are outside of the things we watch for (see everything we monitor).

Sometimes you may see your score increase when you think it should’ve decreased, and vice-versa, but you’ll always have your most up-to-date and accurate score.
https://support.myfico.com/hc/en-us/articles/360038084633


This post and this thread brought me peace. I was having a hard time understanding MyFico sometimes. Only a few months into actually paying attention to my profile and learning how to properly manage credit so this is super helpful. I am a late starter in the fair/good credit game (38 years old) but I guess its never too late to start.

Business Cards:
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Personal Cards:
Discover It Cash Back: 8000 // Chase Saphire Preferred: 5000 // Truist Enjoy Beyond: 4500 // Amex Blue Cash Preferred: 1000 // Cap1SavorOne: 2000 // Cap1 Secured Platinum: 200 // Cap1 QuiksilverOne 2000 // Citi Double Cash: 5200 // Amex Platinum NPSL POT 4000 // Amex Gold NPSL POT 1750


GOAL SCORES 750 ACROSS
Message 7 of 9
FireMedic1
Community Leader
Mega Contributor

Re: Error with My FICO APP

MyFICO can have alerts you know will raise a score. You do a monthly pull and nothing. Then a week later an alert pops up. You have changes to your score. Huh? Oh now it shows. But sometimes an alert will come in and instanly the score change happens. You'll get used to it.


Message 8 of 9
SouthJamaica
Mega Contributor

Re: Error with My FICO APP


@learningcredit54 wrote:

@SouthJamaica wrote:

@Sebas101 wrote:

The app updated today on the 28th.. but the date says yesterday the 27th.. but it also dosent show why my score went down...


MyFICO doesn't tell you why your scores went up or down.

 

There are certain events which trigger MyFICO alerts. If there happens to be any difference between your present score at that particular bureau and the previous score reported to you from that bureau, the score change is tacked on to the alert. There is not necessarily any connection at all between the score change and the alert substance.

MyFICO explains this as follows:

Why did my score go up when I got an alert for something negative (or why did my score go down when I got an alert for something positive)?

The short answer: Your FICO® Score may change because of other events not monitored by an alert.

Whenever we send you a credit alert, we also send an updated FICO Score. To ensure you get the most current score, we calculate it based on your entire credit report at that point in time—not just the new information on the alert. This means your new score may reflect other changes that are outside of the things we watch for (see everything we monitor).

Sometimes you may see your score increase when you think it should’ve decreased, and vice-versa, but you’ll always have your most up-to-date and accurate score.
https://support.myfico.com/hc/en-us/articles/360038084633


This post and this thread brought me peace. I was having a hard time understanding MyFico sometimes. Only a few months into actually paying attention to my profile and learning how to properly manage credit so this is super helpful. I am a late starter in the fair/good credit game (38 years old) but I guess its never too late to start.


That's not a late start at all in my book Smiley Happy  I'm glad you're learning this stuff.

 

And by the way you're not alone in being confused by the MyFICO alerts. I'm glad they have the disclaimer which puts it in perspective, but I wish it was placed more prominently. 


Total revolving limits 581520 (516320 reporting) FICO 8: EQ 710 TU 711 EX 718

Message 9 of 9
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